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Financial collapse of the Thomas Cook Group

Booked with Thomas Cook? Uncertain about what might be covered under your travel insurance policy? The below information is designed to help you understand what may be covered and anything you’ll need to do to make a claim.

What to do

Check the Civil Aviation Authority’s website  Link opens in a new window as they may be able to offer you help.

If you’re still in the UK and you haven’t travelled yet, the following rules apply:

  • Where you can, you should try to get a full refund from your tour operator or travel agent. We’ll only consider non-refundable expenses on your travel insurance policy.
  • If you want to rearrange your trip dates, and provided you’re not making a claim, we can transfer your policy to cover the new trip as long as it’s within three months of your original departure date, is for the same or no longer duration, and is to the same geographical area.

 Make a claim  Link opens in a new window

If you would like to talk to us, just give us a call on +44 (0)330 400 1250.

Bear in mind

  • You’ll need to check your policy terms and conditions  Link opens in a new window to see exactly what cover your policy provides and how much you can claim for, as different policies vary.
  • We can only cover you for the scenarios above if you both booked your trip and bought your policy before the 22nd September 2019. If you bought your policy after this date, we won’t be able to cover you.

Our policy

If you’ve made a flight only booking and this wasn’t ATOL protected...

Whether you’re due to travel soon or you’re abroad already, bookings not protected by ATOL may be covered by the Scheduled airline failure section of cover.

This cover only becomes applicable where you can’t get a refund of replacement flight from the airline and where you can’t claim a refund from your credit card provider.

Our policy covers two different scenarios:

  • If you’re in the UK and you haven’t travelled yet, we’ll pay for the cost of your ticket if you can’t get a refund elsewhere (for example, from your credit card provider, PayPal or ATOL).
  • If you’re abroad right now, we’ll pay for the cost of a one-way ticket to get you home as long as the return journey is for the same class as the original ticket.

In both situations, cover only applies if your flight was booked as a scheduled flight, and not as part of a package holiday. You’ll need to provide proof that you can’t get a refund and were not offered a replacement flight.


If you’ve made a package booking...

Thomas Cook are a tour operator and your booking should have included ATOL protection. You should have received a certificate as part of your booking paperwork. ATOL bookings are protected. The scheme will enable you to complete your holiday if already travelling or offer a full refund if you’re due to travel in the future. For more details on ATOL protection, please see https://www.caa.co.uk/ATOL-protection/Consumers/About-ATOL/  Link opens in a new window

Because the ATOL scheme fully protects your booking, our policy does not provide any cover for costs associated with completing your holiday or refunding your holiday costs.


If you are travelling and the replacement flight home is later than your originally planned return flight...

Where you hold a level of cover that includes delayed departure cover; we will consider any claims for delayed departure. This means that we will pay a fixed sum for each complete 12-hour period of delay.


Accommodation Only Bookings

Providing your accommodation was booked:

  • By yourself independently, and not as part of a package holiday;
  • You are unable to recoup the cost of your accommodation via another source (e.g. Credit Card Provider);
  • And you can obtain written confirmation from the liquidator that the third party supplier has become insolvent;

Then subject to the terms and conditions within your policy document, an Accommodation only claim may be made to us under the ‘Supplier Insolvency’ portion of your cover. Please note that this cover is not included as standard within our Red and Economy Travel Insurance products.